Search found 396 matches

by yogesh
Thu Dec 05, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Gave all personal info to phone scammer
Replies: 19
Views: 2031

Re: Gave all personal info to phone scammer

Enable 2FA, lockdown money transfers, setup credit monitoring, use mint like instant notifications for credit/debit transactions, change checking accounts or banks, watch for identity theft in addition to money transfers.
by yogesh
Wed Dec 04, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 108
Views: 5419

Re: Favorite stock(s) and why

At some point my 401K and taxable both had 100% my employer company stock :-(
Then employer changed 401K defaults to Target Date funds :-)
Then I changed my taxable to broad market index funds :-)
Now I will never hold individual stock in life and my IPS says the same!
by yogesh
Wed Dec 04, 2019 3:26 pm
Forum: Personal Investments
Topic: Is it possible to use ESPP earning to contribute to 401k?
Replies: 6
Views: 263

Re: Is it possible to use ESPP earning to contribute to 401k?

Contributing max to ESPP, selling it immediately when shares get deposited and buying a low cost index fund like Total Market would surely work out really well for you in taxable accounts. I wish I did this when I started working but then again it too really long time to follow the order of investm...
by yogesh
Wed Dec 04, 2019 1:02 pm
Forum: Personal Investments
Topic: Is it possible to use ESPP earning to contribute to 401k?
Replies: 6
Views: 263

Re: Is it possible to use ESPP earning to contribute to 401k?

Contributing max to ESPP, selling it immediately when shares get deposited and buying a low cost index fund like Total Market would surely work out really well for you in taxable accounts. I wish I did this when I started working but then again it too really long time to follow the order of investme...
by yogesh
Tue Dec 03, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Digging my parents out of debt
Replies: 28
Views: 2925

Re: Digging my parents out of debt

Create mint.com budget and show the graph/pie of expenses by category and by merchant.
Tackle the top hitters even if it means removing credit cards and going straight to debit or prepaid cards.
by yogesh
Mon Dec 02, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Soundbar for TV vs. bluetooth receiver connected to old stereo?
Replies: 27
Views: 1888

Re: Soundbar for TV vs. bluetooth receiver connected to old stereo?

Try Sonos Beam (Arc, Bluetooth, Alexa)
Add Sonos Sub (3.1) if required
Add Sonos One (5.1) if required

I have 7.2.2 upstairs in bonus room with receiver, speakers, subs, atoms and I don’t miss it when I listen to Sonos setup in family room.
by yogesh
Sun Dec 01, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: My 3 buckets: 1 yr cash + 2 yr bond + stocks
Replies: 61
Views: 5596

Re: My 3 buckets: 1 yr cash + 2 yr bond + stocks

OP - That is fine approach for accumulation. At some point 3rd bucket will be too large given first two buckets are fixed amount and you might find it uneasy. You propose: Cash ($) Bond ($) Stock (Rest) Most here use: Cash ($) Bond x% Stock (100-x%) I think many use: Cash ($) Cash + Bonds (x%) Stoc...
by yogesh
Sun Dec 01, 2019 1:28 pm
Forum: Personal Investments
Topic: Not choosing Vanguard for kid's Roths due to minimums?
Replies: 32
Views: 1851

Re: Not choosing Vanguard for kid's Roths due to minimums?

I would suggest M1 Finance:
- Banking
- Debit Card
- Automated Savings
- Automated Investment
by yogesh
Sun Dec 01, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 471532

Re: What are you up YTD? [Year To Date]

ohai wrote:
Sat Nov 30, 2019 11:33 am
Up 41% YTD! Although this was after down 12% in 2018...
What’s in your Portfolio?
by yogesh
Sun Dec 01, 2019 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Critic my IPS to be shared with DW
Replies: 12
Views: 1238

Re: Critic my IPS to be shared with DW

I agree with Watty, I would like to see a statement in sentences as to what your goals and objectives are. Some very high level stuff that is important to you. Does DW want to retire at the same time? What if you reach 30x or 40x expenses before 2040? I would like to see some statements on what you...
by yogesh
Sat Nov 30, 2019 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Critic my IPS to be shared with DW
Replies: 12
Views: 1238

Re: Critic my IPS to be shared with DW

Is this "your" IPS which includes all of the family's assets? Does DW have her own IPS? Not sure who "my children" are--is this a second marriage for both of you? Do your children inherit your own money, and DW's children inherit her money? Family assets, first/only marriage and based on previous f...
by yogesh
Sat Nov 30, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 70
Views: 10727

Re: Kitchen knife set. Good quality - Recommendations

Royal Doulton Gordon Ramsay 6 Piece Knife Block Set, Black
by yogesh
Sat Nov 30, 2019 9:59 am
Forum: Personal Investments
Topic: Fidelity: Automate Investing with ETFs (M1 Finance?)
Replies: 20
Views: 1434

Re: Fidelity: Automate Investing with ETFs (M1 Finance?)

batman2020 wrote:
Sat Nov 30, 2019 9:43 am
Would you switch to mutual funds to automate everything? I thought about it but the exposure to small cap value is just not as good with any mutual funds I can find as SLYV, DLS, and DGS.
Fidelity Small cap value index?
https://www.fidelity.com/mutual-funds/f ... ndex-funds
by yogesh
Sat Nov 30, 2019 8:24 am
Forum: Investing - Theory, News & General
Topic: Yes, another International vs Domestic Thread
Replies: 212
Views: 9035

Re: Yes, another International vs Domestic Thread

Read the Wikipedia and seems like Europe was also hit with banking system crises to sovereign debt crises
by yogesh
Sat Nov 30, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: Yes, another International vs Domestic Thread
Replies: 212
Views: 9035

Re: Yes, another International vs Domestic Thread

In 2008 subprime mortgage crisis hit US Market hard.
That should have impacted 55% of world market cap.
Why did international stocks tumble?
by yogesh
Fri Nov 29, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Critic my IPS to be shared with DW
Replies: 12
Views: 1238

Re: Critic my IPS to be shared with DW

It could be your use of the words "my children" was intentional, but if it wasn't, you could change it to "our children". I think you've set this up in a way that makes sense to you. Perhaps it helps you explain things to DW, but as a stand alone document, would DW be able to interpret it the way y...
by yogesh
Fri Nov 29, 2019 10:02 pm
Forum: Investing - Theory, News & General
Topic: My 3 buckets: 1 yr cash + 2 yr bond + stocks
Replies: 61
Views: 5596

Re: My 3 buckets: 1 yr cash + 2 yr bond + stocks

OP - That is fine approach for accumulation.
At some point 3rd bucket will be too large given first two buckets are fixed amount and you might find it uneasy.

You propose:
Cash ($)
Bond ($)
Stock (Rest)

Most here use:
Cash ($)
Bond x%
Stock (100-x%)
by yogesh
Fri Nov 29, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Critic my IPS to be shared with DW
Replies: 12
Views: 1238

Re: Critic my IPS to be shared with DW

I don't like the format of it since it is hard to follow since it is just a chart. It would be a lot more understandable if you wrote out what you wanted to say in paragraphs of text. There is a wiki on IPS which I assume that you have seen. There are several links to IPS's that people have done. h...
by yogesh
Fri Nov 29, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Critic my IPS to be shared with DW
Replies: 12
Views: 1238

Re: Critic my IPS to be shared with DW

It makes sense to me. I think you should spell out the name of the Vanguard Tax Managed fund. I agree that the short abbreviated sentences in the final column make sense to you but might not be totally clear to someone who isn't already familiar and hasn’t been working on the document (i.e. your DW...
by yogesh
Fri Nov 29, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Critic my IPS to be shared with DW
Replies: 12
Views: 1238

Critic my IPS to be shared with DW

I am planning to discuss this IPS with DW over holidays.
Please provide comments and suggestions.
Image
by yogesh
Fri Nov 29, 2019 1:19 am
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 111
Views: 5528

Re: Can someone help me purchase my first mutual fund?

I don't see a good international equities fund in the line up, but you have excellent 500 index fund, extended market index fund and total bond index fund with expense ratios in single digit basis points. You can ignore all other funds. The Target Date funds are so much expensive, you are better of...
by yogesh
Thu Nov 28, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1146
Views: 320166

Re: Share your net worth progression

ge1 wrote:
Wed Nov 27, 2019 1:05 pm
Started tracking in 2004:

2004: 508k
2005: 675k
2006: 929k
2007: 1.210m
2008: 1.485m
2009: 1.768m
2010: 2.084m
2011: 2.474m
2012: 2.626m
2013: 2.716m
2014: 2.942m
2015: 2.971m
2016: 3.275m
2017: 3.763m
2018: 3.958m
2019: 4.540m
No shave during 2008, 2018 or the lost decade?
by yogesh
Thu Nov 28, 2019 5:58 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 56
Views: 2720

Re: Giving thanks to our moderators

Thank you mods!
by yogesh
Thu Nov 28, 2019 2:36 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 98
Views: 8635

Re: Urge Vanguard to support better two-factor authentication

Fidelity 2FA can be SMS, Voice or email. Or Symantec VIP access. https://www.fidelity.com/security/extra-security-login I don't see an option for email, can you explain how that is set up? When I enabled 2FA it gave me options after entering login/password; options included 2 phone numbers for sms,...
by yogesh
Thu Nov 28, 2019 10:16 am
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 98
Views: 8635

Re: Urge Vanguard to support better two-factor authentication

Fidelity 2FA can be SMS, Voice or email.
You can also put full account lockdown.
by yogesh
Thu Nov 28, 2019 9:25 am
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 111
Views: 5528

Re: Can someone help me purchase my first mutual fund?

OP

What would you do if you put all money in FSKAX and stock market dropped by 50%?

What’s your time horizon for this investment? 3,5,10,20yr?

What’s the amount of risk you want to take? Mild, Med, High?

What’s the recommended allocation when you answer questions on Fidelity GO questionnaire?
by yogesh
Wed Nov 27, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Jack Bogle - Two Fund Portfolio

Somehow I think Millennials will do better because:
- robo advisors tend to use low cost index funds
- brokerages emphasizing low cost/no fee etf/funds
- auto-investing is norm with lifestrategy/target-date
- more money moves from active to passive
- defaults in 401k change to target date index
by yogesh
Wed Nov 27, 2019 6:51 pm
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 111
Views: 5528

Re: Can someone help me purchase my first mutual fund?

thelateinvestor43 wrote:
Wed Nov 27, 2019 5:00 pm
Thanks everyone I think I'm getting it!
You might want to post full picture using the link/format below and get feedback from forum members.
https://www.bogleheads.org/wiki/Asking_ ... _questions
by yogesh
Tue Nov 26, 2019 10:19 pm
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 111
Views: 5528

Re: Can someone help me purchase my first mutual fund?

If you find this too difficult then - Open Fidelity Brokerage Account: Just buy VT ETF - Or open Fidelity GO, choose balanced or growth and keep contributing to it Why are you making this more complicated for the OP. He is on the right track. And more importantly, why are you encouraging him to buy...
by yogesh
Tue Nov 26, 2019 3:43 pm
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 111
Views: 5528

Re: Can someone help me purchase my first mutual fund?

If you find this too difficult then
- Open Fidelity Brokerage Account: Just buy VT ETF
- Or open Fidelity GO, choose balanced or growth and keep contributing to it
by yogesh
Tue Nov 26, 2019 12:50 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 6516

Re: Which funds do YOU have in your taxable account?

VTMFX (Tax Managed Balanced) Great minds think alike. 100% VTMFX. :happy See you after 20 years. I have put a race between two funds that need no re-balancing, get automatic paystub contribution, fit to my AA and are efficient/low-cost. Taxable: VTMFX (Tax Managed Balanced. Fixed allocation: 50% US...
by yogesh
Mon Nov 25, 2019 10:26 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Jack Bogle - Two Fund Portfolio

Suggest “Bogle & Buffett Portfolio” than “B & B Portfolio” if you get that past lawyers and loyalty.
by yogesh
Mon Nov 25, 2019 1:30 am
Forum: Investing - Theory, News & General
Topic: Investing in a taxable account
Replies: 7
Views: 1448

Re: Investing in a taxable account

Ditto here. My IPS and will says
Keep cash for bills and emergency
Put everything else in VTMFX (taxable) and TargetDateIndex or Lifestrategy in 401K/IRA/529.
by yogesh
Mon Nov 25, 2019 1:16 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Jack Bogle - Two Fund Portfolio

In addition can someone update our wiki:
https://www.bogleheads.org/wiki/Lazy_portfolios
Add: One fund portfolio (S&P 500 or TSM or TWM)
Add: Two fund B & B Portfolio (90% TSM / 10% TBM)
by yogesh
Sun Nov 24, 2019 8:47 pm
Forum: Personal Investments
Topic: Windfall of $3m at market high - need advice on plan.
Replies: 27
Views: 4445

Re: Windfall of $3m at market high - need advice on plan.

So you seem to be creating 3 tiers of Cash (VMMXX), Stock (VTSAX) and bond (VBTLX) which is quite efficient, low cost and effective long term. Either DCA or lump sum is fine approach. I would have lump sum given large emergency fund.
by yogesh
Sun Nov 24, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Two-Fund and Three-Fund Lazy Portfolios Lead the Way.

I would suggest that marketwatch.com consider adding it Paul B. Farrell's Lazy Portfolios: https://www.marketwatch.com/lazyportfolio oldzey: The Two-Fund Portfolio would be good competition for my Three-Fund Portfolio (Second Grader Starter) which is now in first place for 1-year, 3-years, 5-years,...
by yogesh
Sun Nov 24, 2019 12:12 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 6516

Re: Which funds do YOU have in your taxable account?

VTMFX (Tax Managed Balanced)
by yogesh
Sun Nov 24, 2019 1:11 am
Forum: Personal Investments
Topic: Fidelity Intermediate Municipal Strategy
Replies: 21
Views: 1408

Re: Fidelity Intermediate Municipal Strategy

No need for managed account.
Just pick short or intermediate muni fund with low ER
CA Muni by Fidelity or Vanguard
or FMBIX (0.07)
or FTABX (0.25)
or VTEB/MUB
by yogesh
Sat Nov 23, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Jack Bogle - Two Fund Portfolio

Single balanced funds are getting a lot more popular. If someone could invent target date or life strategy for taxable and you are set.

In the meantime simplify:
VTSAX
VTWAX
VTSAX + VBTLX/VWITX
VTSAX + VTIAX + VBTLX/VWITX
by yogesh
Sat Nov 23, 2019 4:49 pm
Forum: Personal Investments
Topic: Managed to gain over $1M - Need advice on Investing
Replies: 23
Views: 4832

Re: Managed to gain over $1M - Need advice on Investing

Please keep withdrawal duration/risk in mind!
<1yr: Cash, Money Market or Munis (VMSXX)
2-3yr: Short term bonds or munis (VMSTX)
4-6yr: Intermediate bonds or munis (VWITX)
>10yr: Stock/bond allocation (VTWAX+VWITX or VTMFX)
by yogesh
Tue Nov 19, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Jack Bogle - Two Fund Portfolio

I couldn't sleep through 2008 so resorted to balanced funds which rebalance automatically and hide some of the volatility. 2 funds for me! Taxable: VTMFX (Tax Managed Balanced. 50% Domestic Stocks, 50% Municipal Bonds) 401-K: VFORX (Retirement Index 2040. 50% Domestic Stocks, 33% International Stoc...
by yogesh
Tue Nov 19, 2019 8:32 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 279
Views: 39958

Re: Jack Bogle - Two Fund Portfolio

I couldn't sleep through 2008 so resorted to balanced funds which rebalance automatically and hide some of the volatility.
2 funds for me!

Taxable: VTMFX (Tax Managed Balanced)
401K: VFORX (Retirement Index 2040)
by yogesh
Sat Nov 16, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 152
Views: 21795

Re: The One-Fund Portfolio as a default suggestion

Most retirement accounts have either DIY or TargetDate Between the two default should be TargetIndex On Morningstar forums you see big following for balanced funds; most of them are actively managed. We need to recognize the fact that with lot of money moved into index funds; one fund balanced index...
by yogesh
Sat Nov 16, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 152
Views: 21795

Re: The One-Fund Portfolio as a default suggestion

Reminder post for me to look at after 10 years. I choose simplicity of one fund and mirrored. Automated contributions from paycheck so zero effort for heirs.

Taxable: VTMFX Tax-Managed Balanced (50/50 fixed)
401K: TR2040 Target Date Index (84/16 glide to 30/70)
by yogesh
Sat Nov 16, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1184

Re: What happened to FXNAX during 2008?

Fidelity loves this.
Index and non-index funds are named closer
by yogesh
Sat Nov 16, 2019 9:43 am
Forum: Personal Investments
Topic: Don't peek, but since the 2018 highs, a 60/40 portfolio is up by What Percent?
Replies: 64
Views: 7204

Re: Don't peek, but since the 2018 highs, a 60/40 portfolio is up by What Percent?

From highs probably break even or like 1-3%
Bonds definitely made 3-5%
Total bond > 60/40